19,776 posts
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Cash
Sept 15, 2021 14:31:35 GMT
Jon likes this
Post by BurlyBeaR on Sept 15, 2021 14:31:35 GMT
Not wishing to be nosey so please feel free not to reply but what’s the reason they give why you can’t get a card? Do you live at an address where someone left a bad credit history or something? I recall you saying before that you don’t have a GP either so it all sounds a bit “off grid”. There are specialist credit companies who can help with problems with credit history etc, they might charge a much higher APR if you borrow but the answer to that is to have the discipline to pay the balance in full, by direct debit so you never carry a balance over. Without knowing what the problem is it’s a bit difficult for members to advise, and I’m sure people here would like to help because you’re 100% right that life without being able to pay by card is going to be very difficult moving forward. Pretty much everyone can get access to a card these days. Obviously, debit and credit cards are different things. But I don't even think you need a registered address now to get a debit card. Credit cards are a different ballgame though. People who aren't disciplined enough, shouldn't get a credit card. I've seen, firsthand, people go bankrupt because they are inept. Credit cards are dangerous unless used very wisely. Yes, but our member Kim was given suggestions about non credit options a while back and wasn’t able to get one of those either. That’s why I’m trying to get a bit more of an idea of what the reason is. Hard to suggest further solutions otherwise. |
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Cash
Sept 15, 2021 14:38:44 GMT
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Post by Deleted on Sept 15, 2021 14:38:44 GMT
Pretty much everyone can get access to a card these days. Obviously, debit and credit cards are different things. But I don't even think you need a registered address now to get a debit card. Credit cards are a different ballgame though. People who aren't disciplined enough, shouldn't get a credit card. I've seen, firsthand, people go bankrupt because they are inept. Credit cards are dangerous unless used very wisely. Yes, but our member Kim was given suggestions about non credit options a while back and wasn’t able to get one of those either. That’s why I’m trying to get a bit more of an idea of what the reason is. Hard to suggest further solutions otherwise. Ok, I am not sure why she is finding it hard to get a debit card. I don't know of anyone who has been refused a debit card. If you have a bank account with any of the big banks, they all come with debit cards. Prepaid cards are very easy to get. |
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Cash
Sept 15, 2021 15:41:41 GMT
Post by hairspray57 on Sept 15, 2021 15:41:41 GMT
Exactly those monthly bank statement is a long time to wait, if someone has wiped your bank account. At least on the phone I can micro mange my bank account and don't have to try and remember what a withdrawal was from 25 days ago and if I made it. On the radio the other night it informed me than since the pandemic begun a 1000 bank branches have shut and the same amount of ATMs. I can remember the last time I set foot into a bank, nor remember the last time I went in a Post Office, I am actually old enough to remember I could get a passport from the Post Office. With how complex the passport application and renewal process is I imagine the majority of applicants still use its check and send service. |
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5,054 posts
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Cash
Sept 15, 2021 17:34:55 GMT
Post by Phantom of London on Sept 15, 2021 17:34:55 GMT
Exactly those monthly bank statement is a long time to wait, if someone has wiped your bank account. At least on the phone I can micro mange my bank account and don't have to try and remember what a withdrawal was from 25 days ago and if I made it. On the radio the other night it informed me than since the pandemic begun a 1000 bank branches have shut and the same amount of ATMs. I can remember the last time I set foot into a bank, nor remember the last time I went in a Post Office, I am actually old enough to remember I could get a passport from the Post Office. With how complex the passport application and renewal process is I imagine the majority of applicants still use its check and send service. In the good olde days, you could get a passport from the Post office for up to a year. I have just renewed my passport and doing it online isn't complex at all, the hardest part if I recall was getting a photo of good enough quality and had my initial photo rejected, just retook the photo and re-submitted it by the link they supplied in an email, it was done very easily. A pertinent example to keep cash and the very argument has been used on this thread and that is the older generation don't understand and hostile in using new technology. So how many times now do you see the older generation queue at the Post Office getting their pension? The point I am making people are very efficient and good at changing, if they're forced to. |
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Sept 15, 2021 17:53:22 GMT
Post by hairspray57 on Sept 15, 2021 17:53:22 GMT
With how complex the passport application and renewal process is I imagine the majority of applicants still use its check and send service. In the good olde days, you could get a passport from the Post office for up to a year. I have just renewed my passport and doing it online isn't complex at all, the hardest part if I recall was getting a photo of good enough quality and had my initial photo rejected, just retook the photo and re-submitted it by the link they supplied in an email, it was done very easily. A pertinent example to keep cash and the very argument has been used on this thread and that is the older generation don't understand and hostile in using new technology. So how many times now do you see the older generation queue at the Post Office getting their pension? The point I am making people are very efficient and good at changing, if they're forced to. I imagine a lot of the older generation use the Post office for cash withdrawals. |
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Post by Jon on Sept 15, 2021 20:39:07 GMT
Yes, but our member Kim was given suggestions about non credit options a while back and wasn’t able to get one of those either. That’s why I’m trying to get a bit more of an idea of what the reason is. Hard to suggest further solutions otherwise. The Citizen Advice Bureau might be of service, there is also MoneyHelper which is sponsored by DWP: www.moneyhelper.org.uk/ |
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Sept 17, 2021 11:53:36 GMT
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Post by Kim_Bahorel on Sept 17, 2021 11:53:36 GMT
I don't live off the grid I just have always lived with my dad ever since my mother left me as a baby. They were never married and my dad is biologically by not legally my dad. I need my mother information to apply for a passport. My dads wont do because he is not legally my dad. I don't have information on her I dont even know when she was born and the info on my birth cert says she changed her name to my dads name. A woman I used to work with her son was doing his passport and because she changed her surname when he was born and there was no documents on this she had to supply in writing to say that it was her because she had to supply her passport for the application. So I will assume that name changes and no documents pose an issue.
Sadly the goverment don't care about family matters I still need her information. It was too late when I realised this because up until 18 you can get a debit card without photo ID. Even now. Because I have lived at home with my dad (although orginally it was my grandparents who lived there and I was living with them and my dad) I have never lived anywhere else. And cards I have applied for I have needed to supply photo ID because there is anyway a discrepancy with my application. I have tried to do one of those credit score things and STILL wouldn't work. I am on the electoral roll and I had a student loan but none of this helps me. I have never earned enough to pay back my student loan and I can't make payments because I don't have a card to do that.
I was set up with just a saving account when I was a baby. But while I use it I am in the same boat that I don't have ID to prove its mine. My card got lost (later found at home). I had to go into Santander with my cash passbook which I hadn't used for years. Because its sign I dont need ID for it thankfully but the cashier was very forceful that I need to have a debit card because I was using the account alot and it was unsual. I told him that I couldn't get a passport because of my mother. He took my cash passbook talked about me to someone and said that I would only be able to get one with a passport. I was really upset because I thought he was going to take my book and shut my account. I would loose a lot more inc my job. I have been too scared to do in I have wanted to go in to ask again. But even online it says that you need photo ID to open a current account.
As I said every time I do this I have the same issue. With the Splash card that was suggested to me my application was rejected as soon as I applied. I emailed them to ask and they wouldn't tell me.
Also I don't have anyone to cosign a passport anyway I don't know many people and they either aren't in a profession that is applicable.
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223 posts
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Sept 17, 2021 12:03:50 GMT
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Post by Kim_Bahorel on Sept 17, 2021 12:03:50 GMT
Yes, but our member Kim was given suggestions about non credit options a while back and wasn’t able to get one of those either. That’s why I’m trying to get a bit more of an idea of what the reason is. Hard to suggest further solutions otherwise. Ok, I am not sure why she is finding it hard to get a debit card. I don't know of anyone who has been refused a debit card. If you have a bank account with any of the big banks, they all come with debit cards. Prepaid cards are very easy to get. All prepaid cards I have aplied for I need to supply photo ID. I haven't been refused outright they want me to supply photo ID. The only thing I was completely refused for was the Splash Card. I have posted a long post to say I can't get a passport. I not able to drive either. |
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Post by Deleted on Sept 17, 2021 12:20:01 GMT
It sounds like you need specialist legal advice, as in proper specialist advice rather than a general-purpose consumer helpline or an underpaid clerk behind a counter. There are procedures in place to handle exceptional situations, and when you're dealing with a country with tens of millions of people it almost always turns out that your situation isn't so exceptional after all. Documents do get destroyed, information does get lost, and there are ways to overcome the problems, but it needs a specialist to know what those ways are.
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Sept 17, 2021 12:23:22 GMT
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Post by Deleted on Sept 17, 2021 12:23:22 GMT
Ok, I am not sure why she is finding it hard to get a debit card. I don't know of anyone who has been refused a debit card. If you have a bank account with any of the big banks, they all come with debit cards. Prepaid cards are very easy to get. All prepaid cards I have aplied for I need to supply photo ID. I haven't been refused outright they want me to supply photo ID. The only thing I was completely refused for was the Splash Card. I have posted a long post to say I can't get a passport. I not able to drive either. I would have thought given your dad is biologically your father you could get a DNA test and do a statutory declaration regarding the results to use to get you a passport or some form of ID, but you should get down to your local Citizens' Advice Bureau to get set up with some proper specialist advice. Certainly sounds like something that specialist advice could solve and that needs to be solved sooner rather than later to make your life easier. Wishing you luck! |
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223 posts
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Sept 17, 2021 12:33:44 GMT
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Post by Kim_Bahorel on Sept 17, 2021 12:33:44 GMT
It sounds like you need specialist legal advice, as in proper specialist advice rather than a general-purpose consumer helpline or an underpaid clerk behind a counter. There are procedures in place to handle exceptional situations, and when you're dealing with a country with tens of millions of people it almost always turns out that your situation isn't so exceptional after all. Documents do get destroyed, information does get lost, and there are ways to overcome the problems, but it needs a specialist to know what those ways are. I was told this before but I have literally no idea on any of it who to contact and I assume I have to pay. I post things sometimes on Facebook Newpaper comments in the hope someone has had something like that happen to them and they found a solution. Nothing ever comes up except one person suggested illegal stuff 😒. |
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Sept 17, 2021 12:45:40 GMT
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Post by Kim_Bahorel on Sept 17, 2021 12:45:40 GMT
All prepaid cards I have aplied for I need to supply photo ID. I haven't been refused outright they want me to supply photo ID. The only thing I was completely refused for was the Splash Card. I have posted a long post to say I can't get a passport. I not able to drive either. I would have thought given your dad is biologically your father you could get a DNA test and do a statutory declaration regarding the results to use to get you a passport or some form of ID, but you should get down to your local Citizens' Advice Bureau to get set up with some proper specialist advice. Certainly sounds like something that specialist advice could solve and that needs to be solved sooner rather than later to make your life easier. Wishing you luck! I just searched for this and it mostly concerns disputes with children. I don't know if nearly 40 will be applicable. Also a few of the links I clicked on for DNA testing need the mothers DNA. General ones look expensive some more than I earn a month. |
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Sept 17, 2021 12:52:38 GMT
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Post by Deleted on Sept 17, 2021 12:52:38 GMT
I would have thought given your dad is biologically your father you could get a DNA test and do a statutory declaration regarding the results to use to get you a passport or some form of ID, but you should get down to your local Citizens' Advice Bureau to get set up with some proper specialist advice. Certainly sounds like something that specialist advice could solve and that needs to be solved sooner rather than later to make your life easier. Wishing you luck! I just searched for this and it mostly concerns disputes with children. I don't know if nearly 40 will be applicable. Also a few of the links I clicked on for DNA testing need the mothers DNA. General ones look expensive some more than I earn a month. If you rely on the Internet or try to do this alone you will never get this resolved. And it sounds like you need to, if for no reason other than future-proofing. You seem to be making a lot of assumptions, which I'm afraid is only going to make things more difficult. You need legal advice and the Citizens' Advice Bureau can point you in the right direction. That should not be difficult and the CAB is free. You are looking for DNA testing that proves your link to your father, your mother's DNA is irrelevant. |
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Sept 17, 2021 13:02:44 GMT
Post by londonpostie on Sept 17, 2021 13:02:44 GMT
Kim _Bahorel - hello Kim, if you know where you were born the first thing I would do is get my birth certificate (it has your mothers name, at least her name when you were born). Maybe you're already tried that?
I assume you don't drive?
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7,176 posts
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Sept 17, 2021 13:11:19 GMT
Post by Jon on Sept 17, 2021 13:11:19 GMT
If you rely on the Internet or try to do this alone you will never get this resolved. And it sounds like you need to, if for no reason other than future-proofing. You seem to be making a lot of assumptions, which I'm afraid is only going to make things more difficult. You need legal advice and the Citizens' Advice Bureau can point you in the right direction. That should not be difficult and the CAB is free. You are looking for DNA testing that proves your link to your father, your mother's DNA is irrelevant. Citizens Advice is a very good first step in resolving situations, they are not perfect but I think they should be able to tackle many of the issues at hand. |
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19,776 posts
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Sept 17, 2021 13:22:59 GMT
Jon likes this
Post by BurlyBeaR on Sept 17, 2021 13:22:59 GMT
Sounds like there are several obstacles that need to be worked through methodically. There’s a birth certificate by the sounds of it which is a good start to things. You’re also employed and paying tax and NI and on the electoral roll which all seems positive. I’d definitely get registered with a GP aswell (if you still haven’t done that) because as “responsible professionals” doctors can often be used to vouch for people’s identity. I agree CAB might be a good place to start and let them refer as necessary. www.citizensadvice.org.uk/debt-and-money/banking/there’s also this www.moneyhelper.org.ukRemember that banks are not just being difficult for the sake of it, there are very strict rules about identity to prevent money laundering and other criminal activities. But lots of children are born to unmarried parents, lots of people come to this country with no documentation and end up working and having bank accounts. None of the problems mentioned should be insurmountable, it’s just a matter of getting the right advice. |
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7,176 posts
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Sept 17, 2021 13:38:22 GMT
Post by Jon on Sept 17, 2021 13:38:22 GMT
Sounds like there are several obstacles that need to be worked through methodically. There’s a birth certificate by the sounds of it which is a good start to things. You’re also employed and paying tax and NI and on the electoral roll which all seems positive. I’d definitely get registered with a GP aswell (if you still haven’t done that) because as “responsible professionals” doctors can often be used to vouch for people’s identity. According to the NHS website, you don't need photo ID to register with a GP surgery. www.nhs.uk/nhs-services/gps/how-to-register-with-a-gp-surgery/ |
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7,176 posts
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Cash
Sept 17, 2021 13:50:21 GMT
Post by Jon on Sept 17, 2021 13:50:21 GMT
I'm surprised that neither Apple nor Google have introduced QR code payments in the West as part of their wallet apps. It's used very heavily in China and India and would very useful alongside the usual contactless methods.
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Sept 17, 2021 15:10:59 GMT
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Post by Deleted on Sept 17, 2021 15:10:59 GMT
Ok, I am not sure why she is finding it hard to get a debit card. I don't know of anyone who has been refused a debit card. If you have a bank account with any of the big banks, they all come with debit cards. Prepaid cards are very easy to get. All prepaid cards I have aplied for I need to supply photo ID. I haven't been refused outright they want me to supply photo ID. The only thing I was completely refused for was the Splash Card. I have posted a long post to say I can't get a passport. I not able to drive either. Oh really? Does Starling Bank require photo ID? - you can still apply for a provisional, can't you? Even though you can't drive? Hmm quite the conundrum. But definitely not impossible. There has to be a way for you get a passport at least! Then everything else will fall in place. |
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Sept 17, 2021 15:11:36 GMT
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Post by Kim_Bahorel on Sept 17, 2021 15:11:36 GMT
Sounds like there are several obstacles that need to be worked through methodically. There’s a birth certificate by the sounds of it which is a good start to things. You’re also employed and paying tax and NI and on the electoral roll which all seems positive. I’d definitely get registered with a GP aswell (if you still haven’t done that) because as “responsible professionals” doctors can often be used to vouch for people’s identity. I agree CAB might be a good place to start and let them refer as necessary. www.citizensadvice.org.uk/debt-and-money/banking/there’s also this www.moneyhelper.org.ukRemember that banks are not just being difficult for the sake of it, there are very strict rules about identity to prevent money laundering and other criminal activities. But lots of children are born to unmarried parents, lots of people come to this country with no documentation and end up working and having bank accounts. None of the problems mentioned should be insurmountable, it’s just a matter of getting the right advice. I have tried the CAB before and it wasn't as helpful as I thought it would be. I will check out the other link its the first I have heard of that one. |
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Sept 17, 2021 16:29:16 GMT
Post by Jon on Sept 17, 2021 16:29:16 GMT
In regards to applying for a passport, have you tried contacting the Passport Office for advice? I'm sure they'd be able to help and point you in the right direction.
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Sept 24, 2021 15:29:21 GMT
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Post by Kim_Bahorel on Sept 24, 2021 15:29:21 GMT
There is absolutely no legal requirement to provide photo ID when setting up a bank account. Barclays, for example, will accept a HMRC tax notification as proof of identity and a utility bill as proof of address. There might be that but when I have applied to all the big banks I was told to supply a passport because I assume the credit checking system they use tells them I have had no credit information or lack credit information so I have to supply them with with photo ID. I don't have utility bills because I live with my dad and can't get a contract phone under my name. I had the same issue when I signed up to view the credit information and found they wouldn't let me view it until I prove who I was. As people have stated I know why this is in place because of fraud and that. I have tried to get a tax notification but they wont send it to me I don't know if its because I don't earn enough or what. |
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Sept 24, 2021 17:03:38 GMT
Post by londonpostie on Sept 24, 2021 17:03:38 GMT
How do you get paid, and do you pay tax/ni?
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223 posts
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Sept 24, 2021 21:08:13 GMT
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Post by Kim_Bahorel on Sept 24, 2021 21:08:13 GMT
There might be that but when I have applied to all the big banks I was told to supply a passport because I assume the credit checking system they use tells them I have had no credit information or lack credit information so I have to supply them with with photo ID. I don't have utility bills because I live with my dad and can't get a contract phone under my name. I had the same issue when I signed up to view the credit information and found they wouldn't let me view it until I prove who I was. As people have stated I know why this is in place because of fraud and that. I have tried to get a tax notification but they wont send it to me I don't know if its because I don't earn enough or what. If you pay tax you can get a tax notification. If you are employed you will get a P60 annually. You will have a tax code and thus receive official HMRC correspondence with your name, address and national insurance number. I also see no reason why your father cannot let you transfer one utility bill into your name if this is truly an obstacle to getting a bank account. If you work, your employer is supposed to ensure you have the right to work in the UK. How did you prove that without a passport? I’m very surprised your employer actually pays you without a bank account. I have a savings account that was started for me when I was a baby. Its the only account I have and I said previously about Santander. I only have to supply my birth cert NI card and most recent bank statment (which is yearly) for my job. So all my money goes into that. I don't get a tax statement because when they fixed my tax code from emg BR code I now don't pay tax. I used to get one and about a grand back each April/May. But I have contacted them and can't get it sent. |
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5,054 posts
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Cash
Sept 24, 2021 22:14:37 GMT
Post by Phantom of London on Sept 24, 2021 22:14:37 GMT
It seems to be that they’re phasing out plastic and cash.
So it is strange they’re making cash from plastic.
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